{"id":88787,"date":"2022-01-23T16:32:06","date_gmt":"2022-01-23T16:32:06","guid":{"rendered":"https:\/\/quehacerpolitico.mx\/?p=88787"},"modified":"2022-01-23T16:43:48","modified_gmt":"2022-01-23T16:43:48","slug":"como-funciona-el-credito-infonavit-para-comprar-casa","status":"publish","type":"post","link":"https:\/\/quehacerpolitico.mx\/?p=88787","title":{"rendered":"C\u00f3mo funciona el Cr\u00e9dito Infonavit para Comprar Casa"},"content":{"rendered":"\n
\"\"<\/a><\/svg><\/span><\/a><\/div><\/figure>\n\n\n\n

Por Redacci\u00f3n NotiExpress | La Revista del Sector Inmobiliario <\/p>\n\n\n\n

El cr\u00e9dito hipotecario aplica para quien est\u00e9 interesado en adquirir una vivienda nueva o usada, construir en un terreno propio, hacer adecuaciones o pagar una hipoteca que tengas con otra instituci\u00f3n.<\/p>\n\n\n\n

Cuanto me presta Infonavit?
El Infonavit<\/strong> ofrece a los derechohabientes un cr\u00e9dito tradicional, donde otorga el 100% del monto en un esquema que te presta hasta $1,712, 717.76 pesos con una tasa de inter\u00e9s anual del 12%.<\/p>\n\n\n\n

Otro aspecto importante es que el Cr\u00e9dito Infonavit tiene la posibilidad de solicitarse como cr\u00e9dito conyugal<\/strong> para aumentar el monto asignado si tu pareja est\u00e1 afiliada al Infonavit o Fovissste.<\/p>\n\n\n\n

Condiciones: <\/strong>Recuerda que las condiciones de tu cr\u00e9dito se establecen con base en tu precalificaci\u00f3n<\/strong>, misma que toma en cuenta:<\/p>\n\n\n\n

  • Edad<\/li>
  • Salario<\/li>
  • Ahorro en Subcuenta de Vivienda<\/li>
  • Bimestres de cotizaci\u00f3n continua<\/li>
  • Comportamiento de pago de aportaciones de la empresa donde trabajas<\/li><\/ul>\n\n\n\n

    A diferencia de otros productos que ofrece, el Cr\u00e9dito Infonavit aplica para todos los niveles salariales.<\/p>\n\n\n\n

    Contratar el cr\u00e9dito tiene algunas restricciones, por ejemplo, que tu edad al momento de contratar m\u00e1s el plazo para liquidarlo no debe rebasar 65 a\u00f1os.<\/p>\n\n\n\n

    Descuento v\u00eda n\u00f3mina <\/strong><\/p>\n\n\n\n

    a)Si tienes un salario equivalente a 1 salario m\u00ednimo el descuento mensual es del 20% de tu salario. En caso de perder la relaci\u00f3n laboral se ajusta al 25% del sueldo.<\/p>\n\n\n\n

    b) Si tu salario es mayor al m\u00ednimo, el descuento ser\u00e1 de hasta 27% de tu salario, mientras que por p\u00e9rdida de trabajo ser\u00e1 al 32%.<\/p>\n\n\n\n

    Cuota:<\/strong>La cuota mensual de amortizaci\u00f3n para el cr\u00e9dito y otra de pago persona se estable al otorgar el cr\u00e9dito.<\/p>\n\n\n\n

    Con un ingreso de hasta 6.5 UMA mensual, si tu aportaci\u00f3n no puede ser cubierta, el Infonavit te ayudar\u00e1 con la diferencia.<\/p>\n\n\n\n

    La Unidad de Medida y Actualizaci\u00f3n (UMA) es una referencia econ\u00f3mica en pesos para determinar el pago de obligaciones en las leyes federales<\/p>\n\n\n\n

    A\u00f1o<\/td>Diario<\/td>Mensual<\/td>Anual<\/td><\/tr>
    2021<\/td>$84.49<\/td>$2,568.50<\/td>$30,822.00<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

    Solicitud<\/strong><\/p>\n\n\n\n

    Despu\u00e9s de reflexionar sobre tu presupuesto familiar y recibir asesor\u00eda personalizada que el Infonavit ofrece para ayudarte a tomar una buena decisi\u00f3n, es momento de hacer tu solicitud.<\/p>\n\n\n\n

    Lo que necesitas:<\/p>\n\n\n\n

    • Ser derechohabiente con relaci\u00f3n laboral vigente y 116 puntos.<\/li>
    • Referencias personales.<\/li>
    • Responder un cuestionario para asesor\u00eda y tomar un taller en l\u00ednea para tomar la mejor decisi\u00f3n.<\/li>
    • Aceptar un formato de consulta para la investigaci\u00f3n de tu historial crediticio.<\/li>
    • Precalificaci\u00f3n que te permitir\u00e1 saber los puntos que tienes, tu ahorro en la Subcuenta de Vivienda, monto de cr\u00e9dito y la cantidad exacta de tus descuentos mensuales.<\/li>
    • Documentos <\/strong>para inscripci\u00f3n b\u00e1sicos: solicitud, acta de nacimiento, identificaci\u00f3n oficial, estado de cuenta bancario y aval\u00fao.<\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"

      Por Redacci\u00f3n NotiExpress | La Revista del Sector Inmobiliario El cr\u00e9dito hipotecario aplica para quien…<\/p>\n","protected":false},"author":2,"featured_media":88789,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[56],"tags":[],"class_list":["post-88787","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economia"],"yoast_head":"\nC\u00f3mo funciona el Cr\u00e9dito Infonavit para Comprar Casa -<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/quehacerpolitico.mx\/?p=88787\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"C\u00f3mo funciona el Cr\u00e9dito Infonavit para Comprar Casa -\" \/>\n<meta property=\"og:description\" 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